இன்னொரு சூப்பரான வழியும் இருக்கு- அதுக்கு பொறுமை வேணும். RD-ல் பணம் சேமித்து எந்த உறுத்தலும் இல்லாம வாங்கலாம். 6 மாதத்தில் அந்தப் பொருளே தேவைப்படாது என்று கூடத் தோன்றலாம்!!
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good. Don't confuse the people. First you get aware of which is best then tell to us.
sorry bro script issues 🤣🤣🤣 actually they are pushing to starndard EMI instaed of no cost emi to the people bro., this video is point less bro. neenga sonna maari
10:58 all ok but 1 year ku aprom antha product price low akirum and also outdated. If outdated also acceptable. But for that 1500 we need to wait for 1 year then how it's a solution. If it's an urgent means then what will can make a solution for it and upload another video pls.
அந்த படபட பேச்சு.. தமிழன் மூச்சு.. அந்த வணிக தொழில்நுட்ப பொருளாதார அறிவு கப்பலேறி தொழில் செய்த காலத்து அனுபவம்.. வாழ்த்துகள் யுவராணி. நீ கடன் வாங்குவதில்லை கடன் கொடுப்பாய் என்று கட்வுளால் ஆசீர்வதிக்கப்பட்ட யூதன் தான் இன்றைக்கு உலகின் மிகப் பெரிய கடன் திட்ட முதலாளி. எல்லா வட்டியையும் அவன் தான் வசூல் பண்ணுகிறான். அந்த வகையில் இறையருளால் கடன் வாங்காமல் தவணையில் பொருள் எதுவும் வாங்காமல் எளிமையாய் வாங்குவதுதான் புத்திசாலித்தனம். அண்மையில் ஒரு பேட்டியில் விழுந்துபோன ஏர்செல் கம்பெனியின் முதலாளி சொன்னதுபோல நமக்காக பொதுஜனம் செலவு செய்கிறது எனில் வெள்ளி ஸ்பூனில் தங்க பஸ்மம் சாப்பிடுவது தவறல்ல.
எதுவும் இங்க சும்மா கிடைக்காது, உங்களுக்கு review போலான நீங்க வீடியோ make பண்ணுவிங்களா, அநியாய வட்டி தான் தவறு emi தவறு இல்லை, உண்மையா சொல்லனும்னா கீழ் தட்டு மக்களுக்கு ஒரு வர பிரசாதம் இந்த emi.
good your boldness, clear learing to us is great, keep it up.what about discount when we purcahse items with full amount, can u please explain, it varies shop to shop. example inour daily life if i purcahse horlicks 500gms at departmental store , they willl give full mrp price , few may have points forget that, if we purchase normal annachi store they give arount 6rs or 7 rs less than mrp example for 100 rs they will ask only 93 rs. so like that mention ele tronic goods items
Naan yerkanave intha method thaan use pannu 2 tear munnadi oru harddisk SSD vankunen. Rs.25000-2TB . Naan no cost EMi la 6 month ku order pannunen wirh processing fee 200. But anrha month ah FD la deposit panni 6 month ku 600 interest vanthathu so 400 Labam.
kannu Yuvarani, i’m a Amazon Pay ICICI Credit Card holder.. just by going with no cost emi for a product worth 1,00,000 plus rupees. I’m getting benefitted. why don’t you try something else?
சூப்பர் explanation! நான் உங்க different 'you tube' presentation on real concepts, illusions, to prevent fraudulent, etc., Very Usrful. Lively. Sister go head. You already succeeded. 👍🏼🙏🏼👌🏼🌹🙂
I find obtaining credit card against same bank F/D is useful. Card is free, no paperwork, no annual charges, valid lifelong, doesn't affect the interest accumulation because of purchase using credit card, as long as you repay on due date! In no cost EMI you loose on small processing fee. Very useful for senior citizens living on interest from their F/D. Bank F/D rates maybe low but fund liquidity is as simple as clicking a button on the bank app.
Post EMI INTREST VARIES 14 % TO 24 %. NOT 36 %. 36 % APPLING FOR MINIMUM PAYMENT I.e for 5 % of principles. Your presentation is excellent. No extra ward is used any where.
EMI amount interest ku GST poduvaanga and this applicable for both standard EMI and no cost EMI. So no cost EMI ah irunthalum we have to pay some extra amount for interest GST.
Lusu kumuta process fee is 200 standard plus gst 236. Today issues with people is they buy things which they can't afford and suffer at end. Dei parama padida padida. The phone which cost today 60000 , will cost 70000 next year based on demand. If the demand is low the company will lower the price. Buying in emi is not a problem, i bought a car worth 15 lakhs in emi , this the age where i can enjoy those, make sure you will back the emi. The car will cost 20 lakhs after 4 years
Excuse me , Space of Doubt Day one la 60000 Credit card 💳 swipe up for mobile Next Day two la FD invest done Next Fsix EMI payment Done 60000 If it is correct we Need 120,000 to avail 1500 Full cash இருந்தா full payment stores la bargains pannalaam dear try பண்ணுங்க ❤❤ Thanks for sharing 👍
Best fix a product with 3 models and enqurie offline wait for prime days in online use credit cards with special discounts as rs1500 to 2500 after that with 0 cost emi u will get best deals ,door delivered and hassle free installation save lot of money. I used this way min saving 15 percent vs offline..for AC in saving I bought stablzer, bracket, and extra also paid installation charge 😊
If you have full payment don't purchase with full payment. Take maximum month no cost emi. 12-18month on a few products. After delivery call to bank and cancel no cost emi and pay full amount. This will save huge money if you purchase a product 60000 means u get 4000-5000 savings.
Company offerல் Bank emi( 6month ) வாங்கினால் Cash purchase ஐவிட குறைவாக வாங்கலாம். அதை நீங்கள் சொல்லவில்லை. போனவருடம் இந்தமுறையில் வாங்கியதில் Fridgeக்கு ₹4000 இந்தவருடம் Acக்கு ₹4500 Cash purchase ஐவிட குறைவாக செலுத்தினேன்
I prefer EMI even if i have full amount, as i can have my amount in account for other purposes and processing fee is applicable to both std EMI and no cost EMI , However post purchase emi option shd be avoided as the rate of interest will be higher than std emi
*Sister na amazon pay icici card la 20000 mobile no cost emi la vangana *Emi processing fees 199 with 18% tax total 235 * 6month ×3333=total 20000 plan * 2% percentage 20000ku payment handling charge total per month 3400 vanthuchi ... *Total Emi plan 3340 bank side share pannuvanga principal amount and interest amount nu .. *(Ex) Principal amount 3000 vachikonga intrest amount 340 total 3340 ennodo monthly emi plan tha .. *But twist enna na intrest amount Iruku la 350 ku namba central and state gst 9+9= 18 %kattanum overall 3380 varuthu every month *Overalll procesing fees la add panna 20900 varum extra 1000 pay pandra mari varum emi la ..atha mobile la full payment panni vangi irutha 18000 ku vangi irukalam discount 2000 icici credit card ku ...my experience ithu tha ...emi 😂
Sis, why don't you have a live session atleast once a month to clarify finance related doubts of many. Pls try. Video was very much informative and useful. Thanks and God Bless You Sis.
புதிய இருசக்கர வாகனம் Emi ல வாங்கும் போது rto charge ( rto fees nu google chek panna 300 rs வருது ) டீலர்ல அதிகமாக வாங்குறாங்ல அது கண்டிப்பா rto ku தான் போகுதா இல்ல டீலர்கு போகுதா அதை பற்றி சொல்லுங்க சகோ.....
There is no logic in FD. Bcz am fd 60000 once paid, hw can i pay 10000 per months. If i have 120000 then i can pay 10000 per month and 60000 FD. What's type of calculation madam? U can say don't go for standard emi. Thats it.
I have this doubt for very long time when we purchase something with no cost and then when the credit cards add the EMI, there is always an addition of GST on the EMI amount. Is there something we are paying extra.?
Many time I used this method, yuvarani why can’t you plan for an interaction session with people how the investing and saving money or how they have knowledge on it. If this interaction happens everyone can get many ideas and knowledge
Sister, your zero cost emi explanation is misleading. Pls educate yourself. Don't take me wrong. Zero cost will have discount from brand of 2000-3000 rs. These discount will be taken as interest by emi offering banks. If u ask offline store the will explain to u this.
Namma Oru premium car second hand la loan la vangarom nu veinga 20% downpayment panni 80% loan podrom nu veinga aana few months la nammaku antha car pudikala naa naan emi kattama vitta enna aagu
All bank are changing 199 Plus 37rs GST as processing fees. I don't remember now one or two Bank charges less than 199. I am not supporting the EMI option but unfortunately currently I have 4 EMI currently running.
You are saying after 6 months we can save 1500 Rs. though having full amnt at present 😂 don't you know you are missing 6 months of non usage of the product? Do you consider is it worth 1500 Rs. To wait 6 months with the product usage? Fun😂
Hi, if we take a personal loan the bank charges processing fee and we have to pay interest, still we need to pay 18% GST for processing fee and interest amount, it makes so much burden, is there any solution? Is GST refundable ? what the government do with the GST , can u explain this in detail.
Download ffreedom app:- ffdm.app/awQi
199+18% GST=235😂😂😂😂😂
Subvention scheme Pathi sollunga
இன்னொரு சூப்பரான வழியும் இருக்கு- அதுக்கு பொறுமை வேணும். RD-ல் பணம் சேமித்து எந்த உறுத்தலும் இல்லாம வாங்கலாம். 6 மாதத்தில் அந்தப் பொருளே தேவைப்படாது என்று கூடத் தோன்றலாம்!!
Really awesome video......useful ha irrunthuchi....thank you.....yuvarani....keep rocking.....
பதினோறு நிமிடங்கள் கழித்து சொன்ன அந்த யோசானை (ஒரு மாதம் வெயிட் பண்ணி முடிவெடுப்பது ) மிக அருமை 👌
வாழ்துக்கள் 👍
11 மாதங்களுக்குப் பின் அந்தப் பொருளின் விலை அதே விலையில் இருக்குமா? இறங்கினால் சரி... விலை ஏறிவிட்டால்???!!!
Niraya nalla information enkalla Mathri house wife kku easy puriyara mathri solluringea Thank you Mam….👏👏👏👏👏
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good.
Don't confuse the people. First you get aware of which is best then tell to us.
sorry bro script issues 🤣🤣🤣 actually they are pushing to starndard EMI instaed of no cost emi to the people bro.,
this video is point less bro. neenga sonna maari
10:58 all ok but 1 year ku aprom antha product price low akirum and also outdated. If outdated also acceptable. But for that 1500 we need to wait for 1 year then how it's a solution. If it's an urgent means then what will can make a solution for it and upload another video pls.
No credit cards.
No EMI
No tension
No GPay
Only SB a/c
Walking directly to bank
I am leading happy life.
உங்களது விளக்கம் மிகவும் சிறப்பாக உள்ளது.வாழ்த்துகள்
அந்த படபட பேச்சு.. தமிழன் மூச்சு.. அந்த வணிக தொழில்நுட்ப பொருளாதார அறிவு கப்பலேறி தொழில் செய்த காலத்து அனுபவம்.. வாழ்த்துகள் யுவராணி. நீ கடன் வாங்குவதில்லை கடன் கொடுப்பாய் என்று கட்வுளால் ஆசீர்வதிக்கப்பட்ட யூதன் தான் இன்றைக்கு உலகின் மிகப் பெரிய கடன் திட்ட முதலாளி. எல்லா வட்டியையும் அவன் தான் வசூல் பண்ணுகிறான். அந்த வகையில் இறையருளால் கடன் வாங்காமல் தவணையில் பொருள் எதுவும் வாங்காமல் எளிமையாய் வாங்குவதுதான் புத்திசாலித்தனம். அண்மையில் ஒரு பேட்டியில் விழுந்துபோன ஏர்செல் கம்பெனியின் முதலாளி சொன்னதுபோல நமக்காக பொதுஜனம் செலவு செய்கிறது எனில் வெள்ளி ஸ்பூனில் தங்க பஸ்மம் சாப்பிடுவது தவறல்ல.
சரியாகச் சொன்னீர்கள்!!!!
எதுவும் இங்க சும்மா கிடைக்காது, உங்களுக்கு review போலான நீங்க வீடியோ make பண்ணுவிங்களா, அநியாய வட்டி தான் தவறு emi தவறு இல்லை, உண்மையா சொல்லனும்னா கீழ் தட்டு மக்களுக்கு ஒரு வர பிரசாதம் இந்த emi.
This is called delayed gratification! well done with ur explanation
Good info, but it's EMI of six month is 2500, we get 1500. It means battle is still on. Sometimes delayed gratification is the best solution in my POV
Processing Fees: Typically, banks charge a flat processing fee if you choose the No Cost EMI option. This fee can range from Rs. 99 to Rs. 300.
good your boldness, clear learing to us is great, keep it up.what about discount when we purcahse items with full amount, can u please explain, it varies shop to shop. example inour daily life if i purcahse horlicks 500gms at departmental store , they willl give full mrp price , few may have points forget that, if we purchase normal annachi store they give arount 6rs or 7 rs less than mrp example for 100 rs they will ask only 93 rs. so like that mention ele tronic goods items
Naan yerkanave intha method thaan use pannu 2 tear munnadi oru harddisk SSD vankunen. Rs.25000-2TB . Naan no cost EMi la 6 month ku order pannunen wirh processing fee 200. But anrha month ah FD la deposit panni 6 month ku 600 interest vanthathu so 400 Labam.
நடுத்தர மக்களின் யுவராநீ 👉🏻❤
Great definition.. congratulations
Very informative video!
Poor explanation...even standard emi Also having processing fee...as per RBI guidance
Please explain about below charges what is pick up charge
Bounce charges:_* ₹ ****
Penal charges:_* ₹ 0
Pick up charge:_* ₹ ***
Other charges:_* ₹ 0
kannu Yuvarani, i’m a Amazon Pay ICICI Credit Card holder.. just by going with no cost emi for a product worth 1,00,000 plus rupees. I’m getting benefitted. why don’t you try something else?
மிகச் சிறப்பு. ஒரு மாதம் திட்டம் கருத்தில் கொள்ள வேண்டியது.
.
சூப்பர் explanation!
நான் உங்க different 'you tube' presentation on real concepts, illusions, to prevent fraudulent, etc.,
Very Usrful. Lively. Sister go head. You already succeeded. 👍🏼🙏🏼👌🏼🌹🙂
GST is 18% for the interest plays major role, Shouldn’t not use credit card EMI at all.
I find obtaining credit card against same bank F/D is useful. Card is free, no paperwork, no annual charges, valid lifelong, doesn't affect the interest accumulation because of purchase using credit card, as long as you repay on due date! In no cost EMI you loose on small processing fee. Very useful for senior citizens living on interest from their F/D. Bank F/D rates maybe low but fund liquidity is as simple as clicking a button on the bank app.
அருமையான பதிவு வாழ்த்துக்கள் தோழி 💐💐🙏
Yuvarani podra video's ku mattum than adhigama comments views varuthu 😋😋 yuvarani UA-cam Rani 👸👸👸👸👸
Post purchase EMI attracts interest only at about 13%. But we should convert the purchase into EMI before the due date for payment.
உங்கள் நடிப்பு மிகவும் அருமை. எதாவது நாடகம் நடிக்கலாம்
Post EMI INTREST VARIES 14 % TO 24 %. NOT 36 %. 36 % APPLING FOR MINIMUM PAYMENT I.e for 5 % of principles. Your presentation is excellent. No extra ward is used any where.
EMI na Every month installment nu nenachinu irundhen
Equated monthly installment nu innaiku intha video la than therinjadhu
Mikka nandri sago
Ma'am Why are you shouting. But still it's not clear for emi on debit card, it looks like you are simply scaring people.
EMI amount interest ku GST poduvaanga and this applicable for both standard EMI and no cost EMI.
So no cost EMI ah irunthalum we have to pay some extra amount for interest GST.
Lusu kumuta process fee is 200 standard plus gst 236. Today issues with people is they buy things which they can't afford and suffer at end. Dei parama padida padida. The phone which cost today 60000 , will cost 70000 next year based on demand. If the demand is low the company will lower the price. Buying in emi is not a problem, i bought a car worth 15 lakhs in emi , this the age where i can enjoy those, make sure you will back the emi. The car will cost 20 lakhs after 4 years
@@senthilkumaran0072 When was the last time an iPhone or any phone became expensive after 1 year? I mean the same model.
Phone and car expansive after one year 👍🏼👍🏼👍🏼🙏🏼🙏🏼 super broo
Excuse me , Space of Doubt
Day one la 60000 Credit card 💳 swipe up for mobile
Next Day two la FD invest done
Next Fsix EMI payment Done 60000
If it is correct we Need 120,000 to avail 1500
Full cash இருந்தா full payment stores la bargains pannalaam dear try பண்ணுங்க ❤❤
Thanks for sharing 👍
At last someone who thinks and uses brain among Yuvarani viewers lol
Best fix a product with 3 models and enqurie offline wait for prime days in online use credit cards with special discounts as rs1500 to 2500 after that with 0 cost emi u will get best deals ,door delivered and hassle free installation save lot of money. I used this way min saving 15 percent vs offline..for AC in saving I bought stablzer, bracket, and extra also paid installation charge 😊
If you have full payment don't purchase with full payment. Take maximum month no cost emi. 12-18month on a few products. After delivery call to bank and cancel no cost emi and pay full amount. This will save huge money if you purchase a product 60000 means u get 4000-5000 savings.
Thanks madam your all videos is most useful...
Please talk on professional tax.
Appreciate your efforts for sharing this emi awareness information
Company offerல் Bank emi( 6month ) வாங்கினால் Cash purchase ஐவிட குறைவாக வாங்கலாம். அதை நீங்கள் சொல்லவில்லை. போனவருடம் இந்தமுறையில் வாங்கியதில் Fridgeக்கு ₹4000 இந்தவருடம் Acக்கு ₹4500 Cash purchase ஐவிட குறைவாக செலுத்தினேன்
Really Super 👏👍
I prefer EMI even if i have full amount, as i can have my amount in account for other purposes and processing fee is applicable to both std EMI and no cost EMI , However post purchase emi option shd be avoided as the rate of interest will be higher than std emi
Too noisy, less clarity, (reward points earned in credit cards not covered)
Not complete or comprehensive. Can say well tried…
*Sister na amazon pay icici card la 20000 mobile no cost emi la vangana
*Emi processing fees 199 with 18% tax total 235
* 6month ×3333=total 20000 plan
* 2% percentage 20000ku payment handling charge total per month 3400 vanthuchi ...
*Total Emi plan 3340 bank side share pannuvanga principal amount and interest amount nu ..
*(Ex) Principal amount 3000 vachikonga
intrest amount 340 total 3340 ennodo monthly emi plan tha ..
*But twist enna na intrest amount Iruku la 350 ku namba central and state gst 9+9= 18 %kattanum overall 3380 varuthu every month
*Overalll procesing fees la add panna 20900 varum extra 1000 pay pandra mari varum emi la ..atha mobile la full payment panni vangi irutha 18000 ku vangi irukalam discount 2000 icici credit card ku ...my experience ithu tha ...emi 😂
Sis, why don't you have a live session atleast once a month to clarify finance related doubts of many. Pls try. Video was very much informative and useful. Thanks and God Bless You Sis.
புதிய இருசக்கர வாகனம் Emi ல வாங்கும் போது rto charge ( rto fees nu google chek panna 300 rs வருது ) டீலர்ல அதிகமாக வாங்குறாங்ல அது கண்டிப்பா rto ku தான் போகுதா இல்ல டீலர்கு போகுதா அதை பற்றி சொல்லுங்க சகோ.....
😊Processing fee max 199-299 for 12 months emi.
You are misleading. Rest of info are well and good👍
Nice explanation sister
super yuvarani....
Canara Robeco details soluga
interest will be discounted in no cost emi.. they will put emi for the (amount - interest)
Very good advices
Madam, I'm following this method already. The last method ,
This video is not for DRINKER
U r right yuvarani...
thak you for information ❤❤
Processing fee 200 first month emi mattum tha varum
18% interest for no cost emi also, they reduce principal and get interest plus gst
Useful information
Awesome 👏
Not only this if we break in-between and return we have to pay the rest emi and phone also they will reduce very low selling price so don't buy on emi
There is no logic in FD. Bcz am fd 60000 once paid, hw can i pay 10000 per months. If i have 120000 then i can pay 10000 per month and 60000 FD. What's type of calculation madam?
U can say don't go for standard emi. Thats it.
Good awareness video
Proactive video thank you
I have this doubt for very long time when we purchase something with no cost and then when the credit cards add the EMI, there is always an addition of GST on the EMI amount. Is there something we are paying extra.?
Informative
ஆறுமாசத்தில் அந்த பொருளின் விலையும் கம்மியாகலாம் இல்லையா😂😂
யருக்கெல்லாம் கிடைக்கும்
@ 1:25 yuvarani advise free ya kedaikumm😊
Pinellabs give more cashback for offline productts....
Example..
I'm buying 11kg front load washing machine ..
Cash payment= 51000
But , credit card emi conversion payment 40500 only.... 😂😂😂😂😂
So I'm buying credit card method.. 🎉🎉🎉🎉
Many time I used this method, yuvarani why can’t you plan for an interaction session with people how the investing and saving money or how they have knowledge on it. If this interaction happens everyone can get many ideas and knowledge
Sister, your zero cost emi explanation is misleading. Pls educate yourself. Don't take me wrong.
Zero cost will have discount from brand of 2000-3000 rs. These discount will be taken as interest by emi offering banks. If u ask offline store the will explain to u this.
No pain no gain
This is our life😢
Processing fee is 1 time and 199 not like 2k interest
Amma, many aware of this, still it's better
How do you say intrest rate in post purchase is 32% to 45% could you please explain
Thank you 😍
Missed EMI Interest GST(18%)
And also missed tax... 30%
Fd pogama gold coins la invest pannuna 60k ku 1 savaran vangidalam 6 monthla nalla profit varum
யுவராணி அக்கா வணக்கம். நாங்க எப்போதும் ரெடி cash தான் அக்கா. நன்றி வணக்கம் அக்கா 🌹🌹🌹
Namma Oru premium car second hand la loan la vangarom nu veinga 20% downpayment panni 80% loan podrom nu veinga aana few months la nammaku antha car pudikala naa naan emi kattama vitta enna aagu
you missed amortization fee in emi and no cost emi credit card payments
You didn't mentioned EMI gst as well as processing fee gst
super good idea
What about capital gain tax on FD RETURNS ?
Don't buy mobile phone, Invest in FD. Itharka intha video?
Supper🎉
Who is giving 5% interest rate for 6 months FD?
I'm giving 12% for my depositers
@@rkhockey Which bank?
Why you are pushing people to pay on standard emi , is there is no cost emi option available
this is point less
yuvarani...... EMI na Easy Monthly Installment illaya???? Ithana naala Nammala Yemathitu Irukkanola? "Easy"-na Easy-a kattirlamnu nenachane....🙄😬😟😧😨😥😭😩😁😁😁😁😄
All bank are changing 199 Plus 37rs GST as processing fees. I don't remember now one or two Bank charges less than 199.
I am not supporting the EMI option but unfortunately currently I have 4 EMI currently running.
Emi amount ku.. monthly GST charges evalo percentage?
Please explain about mutual funds scam and UA-cam ads scam ex. Bets site promotion
Appo entha product vanga venanu soldriya yuvarani
You are saying after 6 months we can save 1500 Rs. though having full amnt at present 😂 don't you know you are missing 6 months of non usage of the product? Do you consider is it worth 1500 Rs. To wait 6 months with the product usage?
Fun😂
நன்றி
Home loan best ah? Personal loan best ah?
Hi, if we take a personal loan the bank charges processing fee and we have to pay interest, still we need to pay 18% GST for processing fee and interest amount, it makes so much burden, is there any solution? Is GST refundable ? what the government do with the GST , can u explain this in detail.
Ithula every month gst for principal and interest calculate agala?